Unless the owner entrusted the car to an incompetent driver, I really don't see any liability on the owner's behalf since they weren't driving. Additionally, if your insurance company has already paid for the damages, they would be entitled to get their money back out of any recovery you may make against the owner. So, I'm not real sure you would accomplish anything by suing in Small Claims. You would just be taking money out of one pocket and putting it into another. You should also be aware that insurance follows the car and would cover any permissive driver of the car that hit you, but there would be no coverage if the driver was not driving with the permission of the owner. If you have that situation, you may waste a bunch of time and money suing. You might want to talk with a lawyer familiar with Alabama accident law.
Answered on Jan 30th, 2013 at 9:50 AM